Once victimized by identity theft, restoring one's name and good credit is a timeconsuming and costly process. For this reason, Family ID Guard offers an AIG* policy in the amount of $25K with a $0 deductible. This coverage protects against the financial hardships associated with identity theft such as falsely incurred debt, lost wages, legal fees, and correspondence with creditors. In addition to financial relief, policyholders have access 24/7 to trained identity theft specialists. These experts will aid victims in the recovery process until their crisis is completely resolved.

* Insurance underwritten by member companies of American International Group, Inc. The description herein is a summary only. It does not include all terms, conditions and exclusions of the policies described. Please refer to the actual policies for complete details of coverage and exclusions. Coverage not available to residents of New York and may not be available in other jurisdictions.

Welcome to Family ID Guard's Identity Recovery Package
Identity theft is the fastest growing crime in our country. Each year an estimated 9.9 million Americans have experienced some type of identity theft. Amounting to an excess of time and money spent trying to set the records straight. To help curtail the devastating financial burdens that could be accrued, we've included a policy from AIG* designed to help protect you from falsely incurring extensive debt and to help with extensive legal fees.

AIG Personal Internet Identity Coverage Policy covers $25,000 with no deductible.
Should you become a victim of identity theft, restoring one's name and good credit is a time-consuming and expensive process. Victims must endure a number of costly steps to dispute fraudulent debts and accounts opened by an identity thief. For this reason, members of American International Group, Inc. (AIG) have developed this unique group insurance policy. This Personal Internet and Identity Coverage Policy (PIIC) provides you with expert assistance and financial relief.

Coverage Highlights
AIG Coverage provides unparalleled customer service, income protection and expense reimbursement.
AIG has dedicated support professionals that understand that identity theft is a traumatic, criminal event. Each call is handled with a high level of sensitivity. Trained specialists are available 24/7 and will assist victims until their crisis is completely resolved. In addition, an ID Theft Recovery Kit, complete with form letters to send to creditors and bureaus, is provided to each identity theft victim.

Income Protection
Coverage is provided for lost wages as a result of time off work related to a stolen identity event.

Expense Reimbursement
Expenses related to the recovery of your identity, including defense costs for certain civil suits, re-filing for loans and reimbursement of fees are covered.

AIG Means Strength and Service
The AIG Identity Theft and Fraud Division, a division of the property and casualty insurance companies of American International Group, Inc. (AIG) creates, underwrites and markets insurance products and related services which address the risks of fraud to consumers and businesses within the U.S. and other countries.

Our consumer products address identity theft, fraud perpetrated on individuals and damage to personal computers resulting from malicious viruses. Our commercial products address identity theft liability and specific types of fraud within the plastic card payments system. AIG is the world's leading international insurance and financial services organization, with operations in approximately 130 countries and jurisdictions. AIG member companies serve commercial, institutional and individual customers through the most extensive worldwide property-casualty and life insurance networks of any insurer.

Family ID Guard partnerships provide extended protection
With the inclusion of our insurance package, the services Family ID Guard offers go well beyond protecting your identity. We also protect you. By covering losses incurred by criminal action as well as by absence from work and extensive legal fees, Family ID Guard makes the recovery process not only tolerable, but also absolutely possible.

At bioTRAiTS , privacy protection is our business-you are our priority. We look forward to serving you.

* Insurance underwritten by member companies of American International Group, Inc. The description herein is a summary only. It does not include all terms, conditions and exclusions of the policies described. Please refer to the actual policies for complete details of coverage and exclusions. Coverage not available to residents of New York and may not be available in other jurisdictions.

Summary Description
This Summary is provided to inform you that as a member of Family ID Guard you are entitled to benefits under the Master Policy referenced below. This Summary Description of Benefits does not state all the terms, conditions, and exclusions of the Policy. Your benefits will be subject to all of the terms, conditions, and exclusions of the Master Policy, even if they are not mentioned in this Summary. A complete copy of the Policy will be provided upon request.

The Master Policy of AIG Personal Internet Identity Coverage has been issued to: Family ID Guard (the "Master Policy Holder"), Policy Number: ---916281 underwritten by American International Specialty Lines Insurance Company (the "Company"), a member company of American International Group, Inc. (AIG), to provide benefits as described in this Summary.

General Information
Should you have any questions regarding the Membership Program provided by the Master Policyholder, or wish to view a complete copy of the Master Policy, please call the customer service number located in your membership materials.

Filing a Claim
To file a claim under the Master Policy, contact:
1-866-IDHelp2 (1-866-434-3572)
Inform the representative that you are a Privacy Solutions Identity Theft Protection customer.
This is a group master policy issued to Family ID Guard. If this master policy is terminated, your benefits will cease effective that date. It is the obligation of the master policyholder to inform you of any termination of the master policy.

Benefits
We shall pay you for the following:

Costs
Reasonable and necessary costs incurred by you in the United States for re-filing applications for loans, grants or other credit instruments that are rejected solely as a result of a stolen identity event.

Reasonable and necessary costs incurred by you in the United States for notarizing affidavits or other similar documents, long distance telephone calls and postage solely as a result of your efforts to report a stolen identity event and/or amend or rectify records as to your true name or identity as a result of a stolen identity event.

Reasonable and necessary costs incurred by the insured for up to six credit reports from established credit bureaus (with no more than two reports from any one credit bureau) dated within 12 months after your knowledge or discovery of a stolen identity event.

Lost Wages
Actual lost wages earned in the United States, whether partial or whole days, for time reasonably and necessarily taken off work and away from your work premises solely as a result of your efforts to amend or rectify records as to your true name or identity as a result of a stolen identity event. Actual lost wages includes remuneration for vacation days, discretionary days, floating holidays, and paid personal days but not for sick days or any cost arising from time taken from self-employment. Coverage is limited to wages lost within twelve months after your discovery of a stolen identity event.

Legal defense fees and expenses
Reasonable and necessary fees and expenses incurred in the United States by you with our consent for an attorney appointed by us for:

Defending any civil suit brought against you by a creditor or collection agency or entity acting on behalf of a creditor for non-payment of goods or services or default on a loan as a result of a stolen identity event

Removing any civil judgment wrongfully entered against you as a result of the stolen identity event

Restoration Services
Those services performed in response to a stolen identity event and on your behalf after receipt of authorization from you including but not limited to:

Providing you with an information package including a description of the resolution process, educational articles, and guidance for avoiding future complications.

Notifying the three major credit bureaus and provide assistance with requesting that a fraud alert be placed on your credit files and affected credit accounts.

Reviewing your credit files with you to determine the accuracy of the file and potential areas of fraud.

Notifying as needed, your affected creditors, financial institutions, credit card companies, utility providers, and merchants of the identity fraud.

Providing information to the Federal Trade Commission (FTC), and to other government agencies as appropriate.

When appropriate, providing assistance with obtaining and reviewing your Social Security Personal Earnings and Benefits Statement.

Creating and maintaining a case file to document the identity fraud.

A stolen identity event is the theft of your personal identification, social security number, or other method of identifying you, which has or could reasonably result in the wrongful use of such information, including but not limited to stolen identity events occurring on or arising out of your use of the Internet. A stolen identity event does not include the theft or unauthorized or illegal use of your business name, d/b/a or any other method of identifying your business activity.

Coverage Scope
The Master Policy provides benefits to you only if you report a stolen identity event to us by the contact number stated on page 15 as soon as you become aware of a stolen identity event, but in no event later than six months after the stolen identity event occurs and you follow the instructions given to you in a claims kit that you will be provided. These instructions will include notifying major credit bureaus, the Federal Trade Commission's Identity Theft Hotline and appropriate law enforcement authorities. This claims kit will also instruct you how to file for benefits under the policy if the stolen identity event results in losses covered under the policy.

You will only be covered if a stolen identity event first occurs while you are a member of the Master Policyholder's insured program and is reported to us within 6 months. You will not be covered if the stolen identity event first occurs after termination of the master policy or termination of your membership in the Master Policyholder's program.

Limits of Insurance
The most we shall pay you are the Limits of Insurance shown above. All Legal Costs shall be part of and subject to the Aggregate Limit of Insurance. LEGAL COSTS ARE PART OF,AND NOT IN ADDITION TO,THE LIMIT OF INSURANCE. The Lost Wages Limit of Insurance shown above is a sub limit of the Aggregate Limit of Insurance and is the most we shall pay you for lost wages.

Deductible
You shall be responsible for the applicable Deductible amount shown on page 15 and you may not insure against it.
You shall be responsible for only one Deductible during any one policy period.

Disclaimer
Insurance underwritten by member companies of American International Group, Inc. The description herein is a summary only. It does not include all terms, conditions and exclusions of the policies described. Please refer to the actual policies for complete details of coverage and exclusions. Coverage not available to residents of New York and may not be available in other jurisdictions.

Duplicate Coverage
Should you be enrolled in more than one membership program insured by us, or any of our affiliates, we will reimburse you under each membership program:
Subject to the applicable deductibles and limits of liability of each insured membership program.
In no event shall the total amount reimbursed to you under all membership programs exceed the actual amount of loss.
Coverage does not apply to residents of the state of New York.

I believe that I have insurance coverage but I did not get a policy. Am I covered?
Because you are covered under an "AIG Master Policy," individual policies are not issued. To learn more about your coverage, please review the "summary of benefits" (above). For additional information beyond that, please call AIG at 1.866.434.3572.

How do I file a claim?
Please call AIG at 1.866.434.3572. They can help you 24/7.

Can you answer some questions on the insurance coverage that is provided?
If you have questions which fall outside the scope of the material provided on this site, please call AIG at 1.866.434.3572.

What is the master policy number?
916281